If you’re like most people, you probably think of credit cards as a way to rack up debt. But did you know that you can also use credit cards to build your credit history and improve your credit score?  

One of the best ways to do this is by using a secured credit card. Secured cards are different from regular credit cards in that they require a security deposit, which serves as your line of credit. But don’t let that scare you – using a secured card is one of the easiest ways to build your credit history.  

In this post, we’ll give you tips on how to use a secured card to build credit 

Choose Your Card Wisely 

When it comes to repairing credit, using a secured credit card is one of the smartest moves you can make. But not all credit cards are created equal. In order to get the most bang for your buck, you need to choose your card wisely. 

First, look for a card with low fees. Many secured credit cards come with annual fees and other charges that can eat into your credit limit. 

Second, look for a card that reports to all three credit bureaus. This is important because you want to make sure your positive credit activity is being reported to the agencies that determine your credit score. 

Finally, look for a card with rewards. Secured credit cards are often basic, no-frills products. But there are some secured cards that offer rewards like cash back or points that can be redeemed for travel or merchandise. 

Use It Regularly 

One of the best ways to build credit is by using your credit card regularly. This doesn’t mean that you should max out your credit card every month or make large purchases that you can’t afford. Instead, use your credit card for small purchases that you know you can pay off in full each month.  

This will help show lenders that you’re a responsible borrower who can be trusted to make payments on time. You should also avoid making any late payments, as this can damage your credit score. If you do find yourself in a situation where you can’t make a payment on time, contact your credit card issuer to let them know and arrange for a payment plan.  

By following these tips, you can help improve your credit score and build credit over time. 

Make Payments on Time 

Getting a secured credit card is all about building a strong credit history. As a result, you must make timely card payments to prevent penalties that will damage your credibility. Why? Payment history accounts for the largest weight in credit score calculations, accounting for 35 percent of the total score. 


Secured credit cards are a blessing for people who have no or poor credit. It’s simple to apply for and get authorized for the card, and with proper usage, your credit ratings will increase in around 5 months. However, the card has a high-interest rate, and you must pay a deposit before you can use the credit.